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Oops, forgot to mention - do I now tell the court once the settlement arrives - or do I just do nothing?

Well, I'm a happy bunny. Postie kindly delivered a letter this morning with the outcome I was hoping for. Just need to wait for the money now. A big thank you to this site for all the support and advice, and a donation will be heading your way shortly. Continued good luck to all those still in the process. Hang on in there!

Hi! I have this morning (after what seems like ages!!) received a letter from DG Solicitors offering me £711.74 in full and final settlement (half of my total claim of £1423), oh, and requesting I keep my mouth shut. As ususal, they mention time, irrecoverable costs etc........ I know from reading other threads that where offers have been made during the process, people have accepted but continuted to pursue the remainder, but as I am in the middle of the court process - can I still do this? I am really rather desperate for the cash, so this amount would help in the meantime, but I'm not sure if accepting would jeopardise my chances of recovering the remainder? Can anyone please confirm whether I should a) accept but cross out the full and final and keeping quiet bits, and send a covering letter to that effect - if so what should I say? b) refuse and continue to press for full amount. If this option, anyone know of a template I can use? I am a bit frustrated, had hoped to get a letter offering the full amount. They are certainly making me sweat! Thanks in advance

What if they do submit a defence?

Hi Well I received a lovely acknowledgement of claim in the post this morning - stating Deborah D'Aubney is intending to defend all of my claim. Bah - had hoped they wouldn't acknowledge so I could get judgement after 14 days. So, anyone know what happens from here - presumably as they have 28 days they will hang it out as long as possible? Can anyone share what happened to them after they were in this position? I am getting a little jumpy now - all this official paperwork makes it seem so real (I knew it wasn't an easy ride - but it just makes it a little more nervewracking!) Thanks

Just a bog standard personal loan. And I've never missed a payment. Thanks all of you for your comments, my anxiety is subsiding a little!! Boy I'll be glad when this is all over. This site is really great - you provided just the virtual hugs and comments I needed.

It is a loan. I do have an overdraft but the repayment (when it comes) will more than cover that. But surely to continue repayments I need an account with them? Thanks for your help.

Thank you for replying - yes I took advice I read earlier on here and have now opened an account with Natwest, but I guess I am really worried about the loan.

Having just read the following thread http://www.consumeractiongroup.co.uk/forum/showthread.php?t=9108 I am now rather worried that HSBC might close my account once this is over. My problem is I have a loan o/s of about £6k and there is no way I can pay this back in one go. This was my main worry before I started my claim, but I decided to take a deep breath and hope for the best. However, this latest letter they seem to be sending has realised my fears. Does this now seem to be a standard thing or has it just happened to one or two (with HSBC specifically). If I receive such a letter, can I contest it and can they make me pay back the loan? Any advice would be much appreciated. I only entered my Moneyclaim online today and am now thinking perhaps I should have let it go? Help!:o

Thank you for your words of encouragement guys - I have bitten the bullet and filed my claim today. Here's hoping it's nearer 7 than 14 'til result. Fingers, legs and everything else crossed!

Oops - should have mentioned that I did send a LBA - and it's that 14 days which are up. My previous post was a bit confusing when I re-read it.

Hi all, Since the first fob-off letter, I have heard nothing more and the 14 days are up today. Problem is, I am rather pushed to find the £120 court fee for Moneyclaim. Bit of a catch 22, 'cos if I get my money back I won't have a problem any more, and I don't want to leave it too long and lose the momentum, not to mention let them have my money even longer!!! So, can anyone who has been through this bit give me a rough idea of how long it is from entering your Moneyclaim online to receiving any dosh? This will give me an idea of how long it might be a problem for if I scrape the money together now. Thanks in advance:confused:

You guys are great - thanks for your quick replies. LBA going in this afternoon's recorded post......here I go again (but not on my own!!!)

Have spent some time on this site and found it invaluable in many ways, so firstly a big thank you to you all! Here's my situation. I am claiming a total of £1120 charges (two accounts) from HSBC, and sent my prelim letter on 3rd May. Yesterday, right on the deadline, I had a reply. Pretty standard as far as I can make out from other posts, but it has confused me slightly, and before I send my LBA, just wanted to check what I'm intending to do is right. INcidentally, my prelim was sent recorded to my branch. Letter received is as follows: Thank you for your recent letter concerning charges applied to your account. I am sorry you have had cause to complain. We do not agree with your contention that the charges that have been imposed by the Bank constitute a penalty clause and are therefore unenforceable. The contract bewteen the Bank and it's customer is governed by HSBC's standard Terms and Conditions. In respect of unauthorised overdrafts, the relevant clauses are 7.11 to 7.18. In these circumstances, there is a process that involves the Bank considering whether or not to pay the item. A fee is payable for this and the fees are as set out in the published price list. We enclose a copy of the Terms and Conditions and a copy of the latest price list for your information. If you wish to continue your complaint, please put full details in writing to the address attached. We will require a full breakdown of the charges you advise us you wish to claim for. This information is available via the Internet Banking service and copy statements are also available from any HSBC branch, Please be advised that there may be a charge for this service which will be no more than £10 depending on the number of copy statements requested. Thank you once again for taking the time to bring your concerns to the Bank's attention. I am only sorry that is was necessary for you to do so. I hope that matters have now been resolved to your satisfaction. However, should this not be the case, the guidance sheet explains the next steps available to you. Yours.... David L Johnson The address they have attached is HSBC Bank plc, Service Quality Team, Arlington Business Centre, Millshaw Park Lane, Leeds So, my confusion is as follows: 1) Do I now need to give them a full list of the charges - surely they know what they are? 2) Do I now reply to this other address, or just ignore this and send the LBA to my branch? 3) Am I right in thinking this is just a typical 'fob off' letter? Your help would be much appreciated. With my current situation, the repayment of these charges would make a huge difference, so I want to get it done quickly, but the right way. Thanks in advance guys